Total Assets
$1.8B
Total balance-sheet footings
FDIC Cert #18238 · Groton, Connecticut · Est. 1854
Chelsea Groton Bank - FDIC Bank Health Profile
A community-scale look at Chelsea Groton Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.8B
- Total assets
- A
- Health grade · Excellent
- 1.40%
- Return on assets
- 21.2%
- Tier 1 capital
Data updated July 2026
The verdict
Chelsea Groton Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 21.17% Tier 1, profitable at 1.40% ROA, 65% efficiency ratio.
- #659
- largest of 4,313 FDIC banks by assets
- 85th
- percentile by asset size, nationally
- 21.17%
- Tier 1 ratio - above the 10% well-capitalized line
- 69th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Chelsea Groton Bank's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Chelsea Groton Bank's composite health score
Tier 1 Capital Ratio (21.17%) 40/40
Return on Assets (ROA) (1.40%) 20/25
Texas Ratio (2.48%) 20/20
Efficiency Ratio (64.81%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.2B
Customer-funded liabilities
Net Loans
$1.3B
Outstanding loan book
Net Income
$24M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Chelsea Groton Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Chelsea Groton Bank's score of 88/100 falls in the highlighted band.
Chelsea Groton Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Chelsea Groton Bank's $1.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
21.17% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
21.17%
Texas Ratio
2.48%
Equity Capital
$269M
Profitability metrics
Return on Assets (ROA)
69th percentile nationally
1.40%
Return on Equity (ROE)
9.60%
Efficiency Ratio
64.81%
What the numbers say about Chelsea Groton Bank
Chelsea Groton Bank is an FDIC-insured institution (Certificate #18238) headquartered in Groton, Connecticut, established in 1854. It holds $1.8B in total assets - 659th of 4,313 FDIC-insured banks, $1.2B in customer deposits, and $1.3B in net loans. Its capital position: a Tier 1 ratio of 21.17%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.48% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Chelsea Groton Bank sits 10th of 28 banks headquartered in Connecticut by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$74M
Interest Income
$14M
Non-Interest Income
$46M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Chelsea Groton Bank reports a Texas Ratio of 2.48% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.48% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Connecticut by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Chelsea Groton Bank (FDIC Cert #18238) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Connecticut
All Connecticut banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Webster Bank, National AssociationStamford | $84.0B | A | 1.26% |
| Liberty BankMiddletown | $9.0B | B | 0.99% |
| Bankwell BankNew Canaan | $3.4B | A | 1.27% |
| Union Savings BankDanbury | $3.3B | B | 0.61% |
| Ion BankNaugatuck | $2.7B | B | 0.79% |
| First County BankStamford | $2.3B | C | 0.22% |
| Fairfield County BankRidgefield | $1.9B | C | 0.46% |
| Thomaston Savings BankThomaston | $1.9B | B | 0.78% |
Frequently asked questions
What is Chelsea Groton Bank's health grade?▼
Chelsea Groton Bank receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Chelsea Groton Bank?▼
Chelsea Groton Bank holds $1.8B in total assets and $1.2B in deposits, ranking 659th of 4,313 FDIC-insured banks by asset size. It is headquartered in Groton, Connecticut.
Is my money safe at Chelsea Groton Bank?▼
Yes, deposits at Chelsea Groton Bank (Certificate #18238) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Chelsea Groton Bank's Tier 1 Capital Ratio?▼
Chelsea Groton Bank has a Tier 1 Capital Ratio of 21.17%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Chelsea Groton Bank?▼
Chelsea Groton Bank has a Texas Ratio of 2.48%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Chelsea Groton Bank?▼
Chelsea Groton Bank has an Efficiency Ratio of 64.81%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Chelsea Groton Bank's profile as a depositor or analyst.
- Chelsea Groton Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Chelsea Groton Bank against other Connecticut banks before moving funds. Connecticut banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.